About Us

Our Agency Partners

Our two owners have over 70+ years combined experience and offer high quality insurance, and financial products serving the Commercial, Personal and Small business market. As Independent Agents and Brokers, members of The Trusted Choice Network (www.trustedchoice.com) and the ANE Network of agents, (www.ane-agents) we have the freedom and flexibility of securing quality products from a variety of companies.

We are NOT Captive to any One company like those large one-name big-box companies. Our allegiance is to our clients--- not to Any ONE company.
This freedom of choice and has served our client well over the years. We take pride in knowing that our clients keep returning to us for other services
and referring us their friends and family.

Our commitment is to provide the best products and services available, with the freedom and independence to do what we feel is best for our clients,
this philosophy was rewarded and allowed us to win Several Awards for Service including:

Annual Asbury Park Press Readers Choice Awards
Named a Top 3 Best Insurance Agency of Ocean County NJ
5 times from 2016-2011
Best of the Best 2014

Ida is Licensed NJ Insurance Broker and a certified CSR® possessing a vast amount of experience working with small and large business on their General Liability, Property and Workers Compensation Insurance.
Ida has over 35 years experience and has worked for several large NYC Based Insurance companies including the Greater NY Insurance Company, Saint Paul Companies (a division of Travelers) and Frank Crystal & Co. She managed cases of both small and large clients from multi-million dollar businesses where the average premiums ranged from $50,000 to over $600,000. Ida and her husband/business partner Ernie live in Point Pleasant with their three boys - Ernest 27, Matthew 23 and Luke 17. Ida is a member of the PTA at CBA and Scouting. Ida & Ernie have operated I & E Insurance Agency together since 2006.

Ernest M. Caponegro CLCS, CSA®

Mr. Caponegro holds Life and P&C Insurance licenses in several states in addition to New Jersey. Mr. Caponegro started his career on Wall Street in the fall of 1977, ran for the Hudson County Surrogate Office in 1992, and again in 1994 for a NJ State Congressional seat. He served as treasurer for Jersey City UNICCO from 1993-1998.

Ernest is one of only 33000 Certified Senior Advisers in the nation. To become a Certified Senior Adviser, he completed a 15-part program of study of the physical, financial, emotional and personal issues that affect the daily lives of seniors taught by the Society of Certified Senior Adviser, (SCSA). The SCSA is the Worlds largest member organization training professionals to serve the changing needs of a growing senior population. As the co-owner of I & E Insurance Agency, he brings over 37 years of experience to Individuals, Families, seniors and Small Businesses who need assistance .

Mr. Caponegro attended the Hartford School of Insurance and earned the National Underwriter Company’s CLCS designation. The Hartford School of Insurance has been granted the authority by the National Underwriting Company to confer this designation on agents who successfully complete the Commercial Lines Producer and CSR schools. The candidates must have concluded the two-phased program by passing each exam with a minimum of 70%. The CLCS designation, short for Commercial Lines Coverage Specialist, is awarded to those students who have demonstrated extensive knowledge in the critical functional area of commercial property coverage and will apply that knowledge in real life cases. Holders of the CLCS designation have exhibited advanced coverage expertise and career professionalism. I & E Insurance opened an independent office in 1998 and became a fully operational in October of 2002. I & E Insurance Agency secured it's NJ State Independent license in 2006. I & E Insurance Agency offers all forms of Insurance for Business, Personal and Commercial Needs.

Ernest has coached several local Soccer and football teams and was a past Boy Scout Leader of Troop 32 of Brick and a Troop 6 of Point Pleasant Beach and has been a member of the Brick Town Police Athletic League (PAL) Board of Directors for 18 years. The Brick PAL’s mission is to improve the lives of local children. Ernest is a Trustee Board Member of the Postive Earth Drivers Club- www.pedc.org and a 3rd Degree Knight/member of the Knights of Columbus of Saint Martha's Church Point Pleasant and is Vice President of the Father Club at Christian Brothers Academy of Lincroft NJ.

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This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, accountant or your own financial advisor. EMC Insurance Agency & Financial Services LLC dba I & E Insurance Agency & Financial Services is an Independent Insurance Agency, a Member of the Trusted Choice , Independent Agents of America and member of the ANE Network of Independent Insurance Agents, contact your own advisors before making any decision.